| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST F16 NEW YORK, NY 10281 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $66K | $66K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $50K | — | $50K | 9.86% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | — | $10K | $10K | 1.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | P.O.BOX 8500 S-6110 PHILADELPHIA, PA 19178 | METLIFE LEGAL PLANS | — | $39 | $39 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $260 | — | $260 | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 CONTRACT ADMIN | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services Service code 12 | — | $5.2M |
| LYRA HEALTH, INC. EIN 47-2935919 NONE | Other services; Direct payment from the plan Service code 49 | — | $1.3M |
| CIGNA EIN 06-0303370 CLAIMS ADMIN | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $461K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $336K |
| MATRIX ABSENCE MANAGEMENT, INC EIN 77-0493584 NONE | Claims processing Service code 12 | — | $233K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 9,269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 9,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 1,990 | $9.3M |
| Dental | CONNECTICUT GERNEAL LIFE INSURANCE COMPANY | 1,336 | $251K |
| Vision | VISION SERVICE PLAN | 6,758 | $1.6M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 8,368 | $4.2M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $133K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,391 | $2.9M |
| Other(4 contracts, 4 carriers) | METLIFE LEGAL PLANS | 9,269 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,269 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.